We can’t stress enough the importance of life insurance. (And, no, we aren’t that type of life insurance agent as displayed in the movie, Groundhog Day). But, we have seen what happens when people and families go without it. Unfortunately, many people just can’t obtain life insurance. They either have a severe lifestyle situation or a health condition that carriers deem too risky to insure, or insure affordably. Conversely, they are healthy, but they don’t want to go through the hassle of underwriting. In this article, we discuss a few options if you can’t obtain life insurance or if you just want a simple process, including affordable guaranteed issue life insurance.

You feel good. You just completed a life insurance application, something on your “to-do” list for awhile. A week goes by, and you don’t hear anything. A couple of days later, you receive a letter from the carrier. You open in earnest, only to read that you have been declined for life insurance. You are upset and don’t know what to do next. Declined for life insurance? Don’t worry. Chances are you can still obtain life insurance coverage. How? We outline the steps next. In this article, we discuss what to do if you are declined for life insurance. [Read more…]

The life insurance industry is changing for the better. Some insurers are not only adjusting policy premiums through monitored healthy ways (like fit bit), but also opening or expanding insurance coverage opportunities to impaired health conditions such as type 1 diabetes. These coverage options are greater today thanks impart to technology, advances in health care, and people generally living longer with these conditions. The Huffington Post even reported that young Americans living with HIV have a great chance of living into their 70s. [Read more…]